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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,679 | $93,589-29.8% | $135,942-51.7% | $75,181-12.6% |
| Participation rate | 92.5% | 75.2%+17.3pp | 81.9%+10.6pp | 67.2%+25.3pp |
| Annual return | 41.44% | 30.90%+10.5pp | 68.28%-26.8pp | 160.69%-119.2pp |
| Employer contribution / active EE | $643 | $3,537-81.8% | $4,858-86.8% | $2,671-75.9% |
| Participant deferral / active EE | $4,770 | $6,405-25.5% | $7,759-38.5% | $4,126+15.6% |
| Admin fee / account holder | $17,462 | $6,977+150.3% | $10,764+62.2% | $5,650+209.1% |